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“`html Understanding VantageScore and FICO Credit Scores In the U.S., two companies dominate the credit scoring industry: FICO® and VantageScore®. While FICO® is the industry leader, VantageScore® has been gaining market share since its creation by the three major credit…
“`html Do Medical Bills Hurt Your Credit? Medical bills won’t impact your credit as long as they are paid on time. However, unpaid medical debt is treated differently from other types of consumer debt. Most healthcare providers don’t report to…
“`html Understanding Medical Debt and Its Impact on Your Credit Dear Experian, I owe a large medical bill and have been making monthly payments to the hospital, but they recently told me that if I don’t start paying a higher…
“`html Understanding Credit Card Balances and Utilization Rates At O1ne Mortgage, we prioritize consumer credit and finance education. This post aims to provide an objective view to help you make the best decisions regarding your credit card balances and utilization…
“`html How Payment History Affects Your Credit Score Your record of paying debts on time, as agreed under the terms of your loans or credit cards, is the single most important factor used in calculating your credit scores. Maintaining a…
“`html Understanding Credit Score Fluctuations Wondering why your credit score seems different every time you check it? Credit scores can change frequently, reflecting updates to your credit files at the three national credit bureaus. In general, you can expect your…
“`html Common Reasons Your Mortgage Refinance Was Denied If your application to refinance your mortgage loan was denied, it’s not the end of the line. Depending on your situation and goals, you may be able to get what you need…
“`html Understanding Credit-Based Insurance Scores and Credit Scores Credit scores and credit-based insurance scores serve similar purposes—to help companies understand risk. Both types of scores can vary depending on the information in the credit report used to calculate them. However,…
“`html What Happens to Your Credit Cards After Bankruptcy? Bankruptcy can discharge various consumer debts, including unpaid credit card balances. However, it often results in the cancellation of your credit card accounts, even those with no outstanding balance at the…
“`html Understanding Credit: A Comprehensive Guide Credit is an agreement between a lender and a borrower that allows the borrower to obtain funds, goods, or services now and repay them later. It also refers to your history of borrowing and…
